| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150K | — | $150K | 4.04% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUPE LLC | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $100K | $100K | 2.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $77K | $77K | 2.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 9,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 565 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 26 | $214K |
| Dental | AETNA LIFE INSURANCE COMPANY | 26 | $214K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 6,696 | $1.7M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,689 | $5.6M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,689 | $5.7M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 26 | $214K |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,022 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,689 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.